Tag Archives: home insurance

Auto Insurance in Snohomish County

American Insure-All® is your home-owned company for auto insurance in Snohomish County. With offices in Lynnwood, Everett, Marysville/Arlington, Burlington, and Kirkland, we are conveniently located for your insurance needs. You can also apply for an account or access your information through our website.

Auto Insurance in Snohomish County

Everyone these days knows the importance of automobile insurance. Even if you are the best driver in the world, and your vehicle is in tip-top condition, you cannot predict what other drivers are going to do. Furthermore, a car or truck is vulnerable to weather conditions and other unforeseen circumstances. An automobile accident can turn an ordinary day into a miserable one; or a fun holiday into a nightmare. Automobile insurance can’t fix everything, but it can lift the financial burden of repairing vehicles and even paying for medical coverage for those who are involved in an accident. Coverage comes in several kinds. Liability is the coverage required by most states. It will pay for damages to the other person’s vehicle. Medical coverage will pay for injuries to people involved in the accident. Full coverage will pay not only for damages to the other person’s vehicle, but also take care of repairs needed for your own. Full coverage is often required if you are making payments on the vehicle. It is recommended when the value of your vehicle exceeds the amount you would get for it as recycled metal.

Our friendly agents at American Insure-All® can help you select the auto insurance in Snohomish County that is right for you. We know that your car or truck is important to your household, and that good insurance helps keep you and others safe. If you are shopping for a new or replacement policy for your vehicle, give us a call at (888)411-AUTO.

Ways to Save Money on Homeowners Insurance

Homeowners insurance premiums can be expensive. So we want to share some of the ways you may be able to save on your home insurance in Lynnwood, WA, or wherever you reside.

Bundle Insurance Policies

If your home insurance and auto insurance providers are different, you may be able to save money by finding a company who can offer you both. This is fairly easy to find, as most homeowners insurance providers also have auto insurance options. These companies often offer multi-policy discounts to entice clients to have both insurance policies through them. In most cases, the discount offered is around 10%.

Raise Your Deductible

Deductibles are the amount you will be required to pay before your insurance will kick in. If you want to save on your premium each year, it is best to have a high deductible. The downfall of this is that in the event that a claim is filed, the amount you’ll pay out of pocket will be much higher.

If you are simply unable to afford a high premium, this may be a great option for you. Of course, you will want to assess your risk for environmental damages as well as the condition of your home before you choose this option.

Buy a New Home

Homeowners insurance companies offer discounts for policies on newer homes. In some cases, companies offer a 15% discount on a new home. The reason that insurance companies do this is that the chances for claims on faulty appliances, burst pipes, and other common problems in older homes are lower in newer homes. If you are in the market for a home, buying new can be a great opportunity for keeping homeowners insurance premiums low.

Check for Location Discounts

Make sure that you’re getting the discounts you should be getting on your current homeowners policy. If your house is located near a fire station, you can get a discount for that. This is also true if you live near a fire hydrant.

Conversely, if you live in an area that is prone to flooding or other environmental disasters like earthquakes, insurance policies could be hundreds of dollars more every year. The location of your home will greatly influence the cost of your homeowners insurance.

Keep Your Credit Score High

If you can maintain a good credit score, you’ll likely get a better homeowners insurance rate. Many insurance companies look at credit scores when structuring their prices. Along with checking these scores, insurance companies will also look at how long you have stayed with previous insurance providers. If you’ve stayed with a company for more than three years, you may get a 5 to 10 percent discount on your premium.

How to Find the Best Home Insurance

Owning a home is a huge part of the American dream but if someone is doing it for the first time, it may seem more like a nightmare. One of the worst parts about trying to find a home is that figuring out how much money it requires is next to impossible. While the home may have a list price, it can usually be negotiated down but then there are down payments, closing costs, and home insurance to consider. While we definitely recommend spending some quality time with an accountant, mortgage specialist, and an attorney for this kind of purchase, we want to do our part to explain the insurance aspect as best we can. Below are a few tips for making sure the insurance purchase isn’t one filled with regret.

Don’t Go without It

Of all the extra fees included in a home purchase, none of them are more important than insurance. Home insurance is the best way to protect what very well may be the most expensive purchase someone ever makes. As Mother Nature reminds us all too often, she is unpredictable and can be ruthless. By buying the right kind of home insurance, homeowners can rest a little easier knowing someone has their back when Mother Nature or Lady Luck decides against them.

Not Optional Option

When buying home insurance, everyone should make sure to add on flood insurance. No matter where someone lives, the threat of a flood is real. Consider, just briefly, the weather events of the past decade. Hurricane Katrina and Hurricane Sandy wreaked havoc on the coasts, leaving thousands of uninsured homes devastated and their owners without recourse. In California, widespread forest fires have left huge scars that send rain water careening down mountain sides and into the homes below. Even the arid Nevada desert has been decimated by heavy rainstorms and, let’s face it, if Nevada isn’t safe, no one is.

Consider the Whole Package

Other than making sure to add flood insurance to a policy, homeowners should do their research on which insurers are good at keeping promises. Just because one insurance provider is cheaper doesn’t mean it is a better deal. Read reviews and ask around because, all too often, insurance providers drag their feet when it comes to paying out on a policy. Many times, simply asking friends and family for a referral can get you hooked up with great home insurance in Everett, WA.